Personal loans in Bethel, OH

The first question in Bethel is not the rate on offer but whether the payment fits; about 2,659 people live here under Ohio lending law. At about 2,659 residents, Bethel is larger than roughly 62% of the places in Ohio.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Bethel added about 1.4% to its population between the 2020 base and the 2023 estimate. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Bethel's 2,659 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Bethel loan. The nearest larger city is Mount Orab, OH about 10 miles away.

Bethel: the sourced local profile

The figures below are Bethel's own — Census population, land area and coordinates — followed by the Ohio rules.

Where Bethel sits

Inside Bethel's boundaries lie about 1.4 square miles of land, with no significant water area recorded. The resulting density is about 1,853 people per square mile. The state's population centre of gravity, Columbus, is roughly 92 miles away. A 50-mile radius around Bethel takes in 87 places that are larger. The 100-mile radius contains 213 larger places.

Borrowing reach in Bethel

Bethel is moderately settled, with about 1,853 people per square mile and 87 larger places within 50 miles. A Ohio licence lets a lender serve Bethel without a local office, so branch density does not change what its 2,659 residents are offered. The nearest larger city, Mount Orab, OH about 10 miles away.

Ohio consumer-lending rules applied in Bethel

The rows below set out what a licensed lender must follow in Ohio, and so for Bethel's roughly 2,659 residents.

RuleDetailSource
State lending regulatorOhio Department of Commerce, Division of Financial Institutions (Consumer Finance Section).
Source says: "The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses."
Ohio Department of Commerce - Division of Financial Institutions
as of 2026-09-16
Maximum legal interest rate (usury cap)8% per annum maximum by written agreement for the general case; higher rates permitted only in specified cases (e.g., principal over $100,000, business loans, certain mortgages).
Source says: "may stipulate therein for the payment of interest upon the amount thereof at any rate not exceeding eight per cent per annum payable annually" (Ohio Rev. Code 1343.01(A)). [codes.ohio.gov content retrieved via search-engine fetch of the official section; direct connections blocked from our network]
Ohio Laws (Ohio Revised Code - official state publication)
as of 2026-09-16
Payday lending statusLegal for licensed short-term lenders; interest capped at 28% per annum; total fees and charges capped at 60% of the originally contracted loan amount.
Source says: "(A) Interest not exceeding a rate of twenty-eight per cent per annum" (Ohio Rev. Code 1321.40); total fees/charges capped at "a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount" (1321.403).
Ohio Laws (Ohio Revised Code - official state publication)
as of 2026-09-16

How Bethel compares across Ohio

Among Ohio's 924 places, Bethel sits at 349th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 111th of 924 Ohio places, putting it near the 88th percentile for growth. At about 1,853 people per square mile, Bethel is the 241st most densely settled place in Ohio. Within 50 miles sit 88 smaller Census places, alongside the 87 that are larger.

What a Bethel borrower is actually offered

With roughly 2,659 residents, Bethel is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Bethel can be quoted different APRs on the same amount and term. Shortening the term on a Bethel loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bethel if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bethel is the same as anywhere in Ohio.
What loan size can I expect in Bethel?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bethel?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bethel cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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